XRP vs SHIB: Who can make you rich overnight?

Question

This year, the crypto market is a bit awkward. After Trump won the election in November, the crypto world had a brief celebration, but most coins are currently in a correction.

Current Status Comparison Overview

XRP (the fourth largest coin in the world) has only increased by 6.5% this year, underperforming the US stock market. SHIB (the 24th largest coin) is even worse, having fallen by 58% this year. This market trend is indeed unfriendly.

XRP's Comeback: Can It Become a Killer Application for Payment Layer?

XRP has already exhausted the policy dividends. The SEC has a new leadership team, and Ripple's old lawsuit has finally concluded. The spot XRP ETF has also launched. These are all positive factors, but the upcoming challenges are even greater.

The key lies in the implementation of payment scenarios

Ripple is building a bridge connecting traditional finance and the crypto world. The XRP network can process 1,500 transactions per second, and combined with the stablecoin RLUSD, it is already providing cross-border payment solutions for banks and institutions. This is not just hype; it is a genuine demand.

The most telling issue is the financing data: Ripple recently raised $500 million, with top institutions like Citadel Securities and Galaxy Digital participating. It is now valued at $4 billion. If international payments can really scale, the demand for XRP will naturally soar.

The Comeback of SHIB: From Meme Coin to Ecological Coin

SHIB has humble beginnings—a pure derivative of Dogecoin, a joke. But it has survived and even developed something.

The biggest turning point is Shibarium in 2023

SHIB was originally just an ERC-20 token on Ethereum, and Shibarium provided it with a layer two network. What are the benefits? Faster transactions, lower fees, and the ability to run smart contracts.

There are now more than 1,200 dApp ecosystems on Shibarium, and the burn mechanism is gradually reducing the super large supply of SHIB. These operations have given SHIB a bit of real utility beyond being purely speculative.

If you have to choose one to make money, who would you choose?

To be honest, both are very volatile - they are both high volatility, high risk things. There may be a chance in the long run, but at this stage, no one can guarantee.

But if I have to place a bet, I choose XRP

The reason is very straightforward:

More solid technical foundation (high TPS, payment optimization)
Behind it is the $4 billion ecosystem of Ripple that is driving it in reality.
It addresses real financial needs, not hot air.

Although SHIB has made breakthroughs through Shibarium, whether it can form a real ecosystem is still in the verification stage. In contrast, the payment application path of XRP is clearer.

The key variable is: whether Ripple can truly break into the international payment market. If it can, XRP's performance in this cycle will far exceed expectations.